Well, when I bought this place, my son was in Grade 10, having his first job , and we had discussions together with a friend about this during which he agreed to help out with expenses ( pay his own way). Which didn't really happen.The other plan was that once junior leaves the house, his room is going to be rented to pay down the mortgage faster. When he decided to sell the car I gave him for free, he was aware that he will need to contribute to the household,once he has an income, he underestimated the overall costs for the truck, which he still does not admit. Besides the truck loan, he does not have any loan , because I had an RESP, which paid for his college and the tools he needed to get started and he still has about $2000 of it left, which he put in a TFSA. I feel, I have set him up quite reasonable with what I was able to do. If anything happens to me, there will be a life insurance taking care of the mortgage and he will have a place to live.